February 3, 2010

Vision Insurance Basics

Vision insurance, a type of health plan, can help you to cover some of the basic costs of vision care. Unlike health plans, which may cover you for eye-related injuries or diseases, vision plans are meant to help your eyes stay well. The goal is to save on the cost of prevention and routine care.

What types of vision insurance are available?

A few types of financial plans can help make the costs of vision care more affordable. The three main ones are:

  • Add-On Vision Plans :
    These are linked to another product, such as a health or dental plan
  • Stand-Alone Vision Insurance :
    These are not linked to some other type of plan
  • Discount Vision Plans :
    These give you discounts to help you be in charge of the cost of care

The costs for vision plans vary. They depend on the type of plan, the state where you live, and the plan’s exact details.

What are some vision insurance benefits?

Based on the type of vision plan you choose, it may give you a percentage off the cost of visits to the eye doctor, cover the cost of prescription eyeglasses or contact lenses, give you a discount on vision products and services, or give you some mix of these and other benefits.

Annual eye exams are often covered and you may get a dollar amount off or a discount for contacts or eyeglass lenses and frames. Also, discounts for refractive surgery (LASIK or PRK) are part of many plans.

With discount plans, savings are most often available for products such as contacts and eyeglass frames. Also, you can often save on things like routine eyeglass exams, contact exams, and lens fittings and evaluations.

Learn about vision and eye care basics.